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The amount that the policy-holder must pay out of pocket before the health plan pays for a particular visit or service. Indiana The term health insurance is generally used to describe a form of insurance that pays for medical expenses. Iowa It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. Kansas It may be provided through a government-sponsored social insurance program, or from private insurance companies. Kentucky It may be purchased on a group basis or purchased by individual consumers. Louisiana Blues Traveler In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Maine Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government. Manitoba Health insurance works by estimating the overall risk of healthcare expenses and developing a routine finance structure that will ensure that money is available to pay for the healthcare benefits specified in the insurance agreement. Maryland The benefit is administered by a central organization, most often either a government agency or a private or not-for-profit entity operating a health plan. Massachusetts In the United States, car insurance is compulsory in most states, though enforcement of the requirement varies from state to state.

Green computing

Green computing is the study and practice of using computing resources efficiently. Typically, technological systems or computing products that incorporate green computing principles take into account the so-called triple bottom line of economic viability, social responsibility, and environmental impact. This differs somewhat from traditional or standard business practices that focus mainly on the economic viability of a computing solution. These focuses are similar to those of green chemistry; reduction of the use of hazardous materials such as lead at the manufacturing stage, maximized energy efficiency during the product's term of use, and recyclability or biodegradability of both a defunct product and of any factory waste. A typical green computing solution attempts to address some or all of these factors by implementing environmentally friendly products in an efficient system. For example, an IT manager might purchase Electronic Products Environmental Assessment Tool (EPEAT)-approved hardware combined with a thin client solution. As compared to a traditional desktop PC configuration, such a configuration would probably reduce IT maintenance-related activities, extend the useful life of the hardware, and allow for responsible recycling of the equipment past its useful life. Green computing An open industry standard called Advanced Configuration and Power Interface (ACPI) provides a standard programming interface that allows an operating system to directly control the power saving aspects of the hardware. This allows the system to automatically turn off components such as monitors and hard drives after set periods of inactivity. In addition, a system may hibernate, in which it turns off nearly all components, including the CPU and the system RAM, greatly reducing the system's electricity usage. To resume from this state, some components, such as the keyboard, network interface card, and USB ports may remain powered, to receive input from the user. ACPI itself is a successor to an earlier Intel-Microsoft standard called Advanced Power Management, which allows a computer's BIOS to control power management functions. In the absence of ACPI or APM support, some external components, such as computer displays, printers, scanners, speakers, and hard drives may be turned off manually when not in use. In this state, though the external periphals may be off, the main system continues to consume electricity. To minimize the impact, the system could run file sharing software or volunteer computing software, donating its resources to a long-term project.
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Northwest Territories This coverage, however, cannot apply to rental cars because the insurance company does not want to assume responsibility for a claim greater than the value of the insured’s vehicle, assuming that a rental car may be worth more than the insured’s vehicle. Nova Scotia Blues and Blues Boogie Most rental car companies offer insurance to cover damage to the rental vehicle. Nunavut These policies may be unnecessary for many customers as credit card companies, such as Visa and MasterCard, now provide supplemental collision damage coverage to rental cars if the transaction is processed using one of their cards. Ohio These benefits are restrictive in terms of the types of vehicles covered. Oklahoma Liability Ontario Liability coverage provides a fixed dollar amount of coverage for damages that an insured driver becomes legally liable to pay due to an accident or other negligence.